Bremond, TX · Cert 1176
FDIC · 5 branches
Q4 2014
Market Position · College Station-Bryan, TX · 2014 SOD (annual) · 3.9% share · #9 of 21 inst. · $0.2B of $5.0B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | Q2 2014 | Q3 2014 | Q4 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.36% | 1.65% | 1.16% | 0.54% | 0.66% | 0.95% | 0.86% | 0.65% | +10 bps | |
| Return on Equity | 16.47% | 18.87% | 12.03% | 5.10% | 6.24% | 9.02% | 8.10% | 6.02% | +92 bps | |
| Net Interest Margin | 4.41% | 4.45% | 4.21% | 3.78% | 3.59% | 3.81% | 4.02% | 3.87% | +8 bps | |
| Efficiency Ratio | 54.93% | 50.81% | 62.73% | 79.07% | 75.29% | 65.57% | 68.22% | 76.89% | -218 bps | |
| Non-Interest Burden | 2.10% | 1.71% | 2.32% | 2.87% | 2.59% | 2.30% | 2.61% | 2.83% | -4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.19% | 5.89% | -22.18% | -24.33% | -14.68% | -8.20% | 5.62% | 10.42% | +3,475 bps | |
| Loan Growth (YoY) | 11.87% | 7.47% | -41.37% | -43.01% | -29.69% | -12.05% | 28.64% | 30.80% | +7,382 bps | |
| Deposit Growth (YoY) | 1.72% | 2.08% | -6.45% | -4.22% | -0.05% | -0.08% | 1.05% | -3.53% | +69 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.10% | -0.04% | 0.07% | 0.04% | 0.00% | 0.09% | 0.10% | 0.01% | -4 bps | |
| Allowance / Loans | 0.62% | 0.61% | 0.98% | 0.87% | 0.87% | 0.65% | 0.71% | 0.64% | -23 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 19.38% | 18.85% | 24.30% | 17.98% | 18.19% | 14.94% | 16.93% | 15.08% | -290 bps | |
| Equity / Assets | 8.98% | 8.48% | 11.02% | 10.23% | 10.93% | 10.06% | 11.26% | 10.26% | +3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 95.86% | 100.66% | 63.32% | 65.31% | 67.43% | 88.60% | 80.61% | 88.55% | +2,324 bps | |
| Liquid Assets / Assets | 1.96% | 1.96% | 11.83% | 11.05% | 6.00% | 3.05% | 2.81% | 2.92% | -813 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |